Acxiom's Authentication Capabilities

In a world where business and everyday life pair seamlessly with technology, American consumers risk falling victim to identity theft more and more every year. Authentication is a powerful tool in a company’s overall identity management solution.

Biographical Knowledge Based Authentication

Acxiom’s identity management capabilities provide an extra level of verification and authentication to help protect companies from fraud. With Acxiom’s authentication platform, companies can create a multitude of exam strategies that can be tailored to the risk level inherent in any transaction type. The solution uses information from Acxiom’s robust database to create a series of questions to verify a customer’s identity. The use of non-credit-based data simplifies the customer experience while reducing the ability of fraudsters to gather credit reports or possibly correctly guess responses. Acxiom’s authentication solution can be implemented in many places within an organization including online, call centers, IVR systems and point-of-sale. Typically an authentication process includes matching information by comparing the applicant’s answers to a series of detailed questions to the information in a trusted database. Acxiom’s authentication process fulfills client’s needs using unique questions that are typically not found in a wallet to authenticate individuals, and then verifies these individuals through a robust database known as Titan. This offers greater security to the end user and any organization implementing authentication measures through Acxiom. A reliable risk mitigation strategy will utilize both authentication and verification within their business model, both available within the Identify product suite.

Data Assets

Acxiom’s authentication capabilities utilize demographic and geographic data in challenge questions with nearly 900 data elements for over 300 million individuals. Data comes from public, publicly available and non-public proprietary databases. The non-public information used in Acxiom’s authentication questions is neither available to the general public nor obtained from a public record and is acquired for specific permissible use in a particular industry. Data is current and updated daily, weekly and monthly depending on data source.

Flexible options

Our authentication capabilities are delivered through a web service. Acxiom’s authentication capabilities operate in the background minimizing inconvenience for customers who present a typical risk profile. Files can be printed or exported to PDF. This gives the client the ability to design how and when an exam is delivered. There is a secure Administrator’s tool available online that gives you access to multiple reporting features.

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